The market is always unpredictable. After the Spring Festival, it has been adjusted continuously for several days. Many white people who just contacted the fund began to panic. How can they invest without being disturbed by market sentiment? How should novices rationally deal with market fluctuations? Today, Bian Xiao will share with you how to be a smart investor in the continuous adjustment of the market for your reference only!

telescope

The ups and downs of the market are inevitable, but in the face of all kinds of uncertainties, not many people can stand loneliness and firmly grasp it, which is why most people in the market always don't make money, and only a few people make money. In the face of short-term correction, most investors will choose to throw away the "telescope", not pay attention to the future trend, but only pay attention to the immediate income. Only smart investors know that holding the "telescope" at all times and taking a long-term view is the true meaning of investment.

According to the data, taking Public Offering of Fund with partial stock as an example, since the beginning of 20 18, even though the average income has been adjusted back at first, the probability of positive income will gradually increase with the increase of holding time, which also shows the importance of long-term investment.

Buffett said that if you don't want to hold a stock for ten years, don't hold it for ten minutes. In fact, this is telling us that investment needs a long-term vision. Therefore, "binoculars" are necessary investment equipment for smart investors.

Chopper

However, it is not enough to have a "telescope". You must be able to stop and keep your eyes far enough. Many investors often think that "the harder they work, the luckier they are" and want to avoid losses and gain profits through their own intraday trading. But often this lack of accurate judgment will not make us "luckier", because we can't judge when the market will rise or fall, and in The Pursuit of Happyness, most investors who trade in the day are often not at home or leave home prematurely.

According to the Questionnaire Analysis Report of China Individual Investor Investment Fund released by China Fund Industry Association in 20 18, 16% of investors hold a single fund for less than half a year on average, and 3 1.9% hold the fund for six months to 1 year, 1-3 years.

A study by Betterment in the United States shows that the more frequently investors check their trading accounts, the higher the probability of seeing their losses, and the higher the probability of triggering daily trading. Therefore, only by keeping a "chopping knife", controlling your hand in day trading and not making irrational investment decisions when you are not calm can you get closer to smart investors.

Baibian Rubik's cube

Buffett said, "Don't put all your eggs in one basket". If you put all your eggs in one basket, once the basket is broken, all your eggs will be broken. If you put your eggs in multiple baskets, even if one basket is broken, you can still keep the rest of the eggs.

At the same time, the modern portfolio theory put forward by American economist markowitz also shows that the risk of investment usually decreases with the increase of assets on the basis of choosing assets. Even if one asset in the portfolio has poor returns, investors can still get relatively stable returns as long as the returns of other assets are stable. This is also the original intention of diversifying investment and reducing risks.

What "Magic Cube" does is to help investors disperse their funds in different types of products such as stocks, funds and bonds, diversify their investments, rationally allocate assets and reduce investment risks.

Facing the turbulent market, if you want to be a smart investor, you might as well keep three investment artifacts, namely "telescope", "chopping knife" and "ever-changing Rubik's Cube". To have a long-term investment vision, we must stop, refuse intraday trading, and make reasonable asset allocation according to market conditions. You will find that it is not difficult to be a smart investor and invest comfortably without being disturbed by market sentiment.

In the past two years, the returns of funds purchased by many investors are generally unsatisfactory. What caused the large losses of most funds? Mars, an analyst at Shanghai Securities Fund Evaluation Center, pointed out that, first of all, the essence of fund products is the combination of securities, and the performance of fund income is closely related to the performance of the underlying market. In the continuous decline of the stock market, it is difficult for equity funds and hybrid funds, which mainly invest in stocks, to achieve positive returns. In the case of rising stock market, most partial stock funds can often achieve positive returns. Therefore, it is impossible for funds to create myths and create high positive returns in the continuous decline of the market in recent years.

From the long-term performance, in most cases, the overall performance of funds is better than that of individual investors, especially in bull markets and volatile markets. For example, in 2006 and 2007, more than 80% of equity funds achieved a return of more than 100%, while the proportion of individual investors was less than 20 12 years. Nearly 50% of equity funds have achieved a return of 5% to 30%. According to the survey, more than 50% of individual investors have lost between 5% and 50%. Therefore, the fund is still a good investment tool for individual investors to participate in the capital market.

All kinds of problems, whether China's stock market construction, economic development or asset management industry, can't be eliminated in a short time, and all need the rationality of the market as a whole to promote it. However, as investors themselves, we must measure our risk tolerance clearly and not blindly listen to the propaganda of sales staff. If your risk tolerance is weak, or the funds you want to use in the short term, you can't invest too much in a single stock fund to avoid being greatly affected by the risk of stock market fluctuations. Therefore, for individual investors, it is more meaningful to have a long-term investment mentality, choose appropriate fund products according to their own risk tolerance and renewal, avoid excessive pursuit of popular funds with outstanding short-term returns, pay more attention to funds with relatively stable long-term performance, and spread risks through fixed investment and portfolio allocation to obtain long-term stable returns.

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